Highly Respected National Provider
of brokered insurance products and services.



Based in Perth, Western Australia, LTM Risk Partners is a highly respected national provider of brokered insurance products and services.

The firm was established back in 1972, and in these early years the focus was on providing general insurance products. But as client requirements changed so did the LTM service offering, with the result being an extended client base that included corporate and commercial customers.

More recently, LTM has again broadened its client base and today the firm is the appointed preferred insurance broker to many state and national insurance facilities.

In fact, LTM Risk Partners is widely recognised as being a specialist provider of innovative broking services for an extremely diverse range of industry groups and associations from dry cleaners and launderers through to earthmoving contractors and eisteddfod operators.

LTM has also developed long-term strategic relationships with all major Australian insurers. The firm also has agreements to place insurance with approved international insurance providers including Lloyds.

 

An insurance broker can be an invaluable ally for a business owner, but would-be clients are not always clear on all the benefits a broker can offer. Watch video to learn why many SME business owners use insurance brokers and save on their insurance premiums.

 

 

INSURANCE BROKERS CODE OF CONDUCT 

Click to find out what the Code means for brokers and their clients                                                       

 

YOUR DUTY OF DISCLOSURE

Click to Download PDF.

 

Steadfast

LTM Risk Partners is a Steadfast Broker

LTM Risk Partners product and service provision includes:

  • Business Insurance
  • Professional Indemnity Insurance
  • Public and Products Liability Insurance
  • Host and Short Term Accommodation Insurance
  • Workers Compensation Insurance
  • Medical Professional Insurance
  • Construction Insurance
  • National Franchise Insurance Programs
  • Community-based Association Insurance Programs
  • Child Care Insurance
  • Sport and Leisure Insurance
  • Dry Cleaner and Commercial Launderer Insurance
  • Eisteddfod and Dance Liability
  • State and National-based Insurance Programs
  • Custom-Built Online Insurance Services
 

Our People

Our People
Darryl Morris
StaffDarrylMorris

Darryl Morris

JP CIP

DIRECTOR

Darryl's responsibilities include overseeing the financial, marketing and business development operations for the firm. Additionally, Darryl manages his own portfolio as well as a team of account executives and their broker assistants. Darryl has had over 30 years experience in the general insurance sector incorporating senior management and broking roles. Darryl's team is continually striving to develop and implement new and innovative facilities throughout Australia.

Phone: (08) 9201 3403
Mobile: 0439 978 036
Email: darryl.director@ltmrisk.com.au

Brad Dixon
brad7

Brad Dixon

SENIOR ACCOUNT EXECUTIVE

Brad is a Senior Account Executive at LTM Risk Partners dealing mainly with Corporate Clients. Commencing his insurance career in the mid 1970’s Brad has, over the last 20 years, held senior roles at Insurance Brokers and in the allied Finance sector, most recently 6 years as the State Manager of Pacific Premium Funding Pty Ltd, a business owned and operate by GE Commercial Finance. Working closely with, and reporting to Darryl, Brad adds to the already considerable expertise available to clients in relation to Insurance matters.

Phone: 08 9201 3401
Mobile: 0419 834 005
Email: brad.dixon@ltmrisk.com.au

Susan Lynch
Sue ltm2

Susan Lynch

OFFICE MANAGER

Before joining LTM, Susan worked predominately in the professional services area.  She has experience in a diverse range of industries including advertising, forensic psychology and more recently intellectual property.   Susan’s role at LTM involves dealing with non-insurance-related client matters, issues relating to compliance, HR, IT and finance.

Phone: 08 9201 3408
Mobile: 0407 089 052
Email: susan.lynch@ltmrisk.com.au

Malcolm Campbell
StaffMalcolmCampbell

Malcolm Campbell

AR No: 354521

AUTHORISED REPRESENTATIVE

With nearly 30 years experience and having worked in many diverse insurance industry roles, Malcolm is one of our Authorised Representatives. Malcolm has a substantial portfolio of SME clients – and, thanks to Malcolm's focus on providing exceptional service, many of these clients have been with him for significant periods of time.

Phone: (08) 9201 3420
Mobile: 0424 445 194
Email: malcolm.campbell@ltmrisk.com.au

 

Products

Our Products
Professional Indemnity
ProductProfessionalIndemnity4

Professional Indemnity

In the course of business, companies sometimes find themselves in disputes over alleged failures of their services or products that have caused financial damage to third parties. A Professional Indemnity policy will cover defence and settlement expenses associated with services provided as a consultant, designer, professional (accountant, healthcare worker, engineer, etc) as well as policies that cover products such as technology and other equipment.

LTM is one of the leading providers of Professional Indemnity insurance. Our specialist knowledge and access to a range of markets means we are able to offer a wide choice of quality products.

Technology Insurance

LTM recognises the Information Technology sector is one of the fastest growing markets, we can offer a sophisticated yet seamless insurance solution. We have access to a range of information technology products, which can be tailored to the specific needs of your business. The policies all offer a comprehensive combined Professional Indemnity and Public and Products Liability solution with separate limits and deductibles.

Public and Products Liability
ProductPublicProductsLiability2

Public and Products Liability

Legal liability to pay compensation (including legal expenses) to third parties in the event of the Insured causing injury, death or loss of or damage to property arising out of business operations or products.

 

Workers Compensation
ProductWorkersCompensation3

Workers Compensation

All employees injured by accident or industrial disease arising out of or in the course of their employment are legally entitled to compensation under the various Workers’ Compensation statutes. The Acts in each State and Territory require employers in Australia to maintain compulsory “no fault” insurance to cover their legal liability.

Sports Insurance
ProductSportsInsurance3

Sports Insurance

Many Risks - One Solution

Platinum Liability is the ultimate liability solution for your sports, leisure and licensed club clients. Platinum Liability has been developed with both brokers and clients in mind using a single comprehensive wording incorporating General Liability, Professional Indemnity and Management Liability.

Construction Insurance
ProductConstructionInsurance3

Construction Insurance

Covers loss, destruction of or damage to contract works and all materials ascribed to the contract whilst in transit or on or adjacent to "the insured site". (Cover applies both during the construction and maintenance periods and is tailored to reflect the particular risks specified that relate to construction contracts). Can also cover legal liabilities for injury to any person(s) and/or damage to any property of third parties arising out of the construction / maintenance operations.

Section 1 - General Liability - Bodily Injury, Property Damage and Advertising Injury.
Section 2 - Professional Indemnity - Breach of Professional Duty.
Section 3 - Management Liability - Directors and Officers, Club or Entity Liability, Employment Practices Liability, Club or Entity Reimbursement.

Platinum Liability incorporates covers that are traditionally purchased under three separate contracts. There are significant benefits in insuring a client’s complete liability exposure, be it general, professional or management, under the one contract with the one insurer.

Generally clients understand the importance of a liability policy and player accident cover, however they often overlook the professional risks of running a club, association or business. Platinum Liability has been structured in such a way that Management Liability Coverage is an easy and affordable extension.

National Drycleaners Insurance
ProductNationalDrycleanersInsurance3

National Drycleaners Insurance

LTM Risk Partners has the following endorsements:

  • Insurance broker to the West Australian Dry Cleaners Association
  • Preferred insurance broker to the Victorian Dry Cleaners Association

With many years experience in providing specialist Dry Cleaner insurance, LTM Risk Partners is clearly Australia’s largest endorsed provider of insurances to the Dry Cleaning Industry. As a dry cleaner, you will receive the lowest possible insurance premiums for your business insurance, with even further discounts for being a member of your state association.

Our products include:

  • Business insurance for all your commercial risk exposures
  • Public Liability including damage to garments in your control
  • Goods in Transit covering clothing whilst contained in your delivery vehicles
  • Machinery Breakdown covering the mechanical and electrical breakdown of all machinery
  • Motor Vehicles featuring low cost premiums for your delivery vans
  • Workers Compensation is subject to state legislation
  • Payment options are simple and low cost enabling you to spread your insurance premiums over a 12-month period

WHAT DO I NEED TO DO?

For a quick and easy quotation call Darryl Morris or Belinda Caunt on 1800 640 264 seven days a week or click here to contact us via email. Our guarantee is to significantly reduce your insurance costs improve claims handling and provide an unbeatable insurance contract.

Medical Professionals Insurance
ProductMedicalProfessionalsInsurance3

Medical Professionals Insurance

LTM Risk Partners has specialised in arranging insurance for over 30 years for clients in a vast range of medical professions including general practitioners, specialists, radiologists, dentists, veterinarians, etc.

With our experience in this field, we have been able to negotiate excellent products and policy wordings for our clients. Our reputation in service, including claims delivery has been paramount in the longevity of our relationships with many of Perth’s leading medical professionals and practices.

Call David White on 0423 219 772 to discuss your insurance requirements in this area.

National Launderers Insurance
ProductNationalLaunderersInsurance3

National Launderers Insurance

LTM Risk Partners has the following endorsements:

  • Insurance Broker to the South Australian Textile, Rental-Linen Association
  • Insurance Broker to the West Australian Textile, Rental-Linen Association

As a Commercial Launderer you will receive the lowest possible insurance premiums for your business insurance, with even further discounts for being a member of your state association.

Our products include:

  • Business Insurance for all your commercial risk exposures
  • Public Liability
  • Goods in Transit covering linen whilst contained in your delivery vehicles
  • Machinery Breakdown covering the mechanical and electrical breakdown of all machinery
  • Motor Vehicle featuring low cost premiums for your delivery vehicle
  • Workers Compensation is subject to state legislation

Payment options are simple and low cost enabling you to spread your insurance premiums over a 12-month period.

WHAT DO I NEED TO DO?

For a quick and easy quotation, call Darryl Morris on 1800 640 264 seven days a week or click here to contact us via email.
Our guarantee is to significantly reduce your insurance costs, improve claims handling and provide an unbeatable insurance contract.

 

Claims

"We Deliver"

Part of your selection criteria in choosing an insurer should be based on their ability to “Deliver”. Here at LTM,
in many cases we are able to lodge claims with no claim form completion.

LTM Risk - Profile

If the need arises to make a claim, contact our Claims Coordinator on 1800 640 264 or email claims@ltmrisk.com.au and you will be provided with guidance and assistance in your claim ensuring a smooth and timely process. Should an emergency occur on the weekend and you require a more immediate response, we have provided the emergency contact for our underwriting partners.

We have also provided our standard claim form, these can be used to lodge a claim in most cases and may be useful to collate the information that will be required when you lodge your claims with our Claims Coordinator.

 

Online Services

LTM Online Services include:

National Franchise Insurance Brokers

News

LTM Risk Partners listed in Insurance Business Top Ten Brokerages in Australia for 2012

For the first time ever Insurance Business magazine has offered an independent ranking of the very finest firms in the brokering space and LTM Risk Partners, the parent company of National Franchise Insurance Brokers, and NFIB have ranked overall ninth nationally. The Insurance Business ranking system is an entirely objective means of ranking the best performing insurance brokers in the country. To measure the success of each eligible firm eight measurements were considered including:

Total revenue

Policies written

Revenue per broker

Policies per broker

New clients per broker

New revenue per broker

Company growth

Client retention

LTM and NFIB combined were ranked first in Company Growth and second in Client retention, two achievements that have been a focus for the businesses over the last twelve months.

LTM’s charitable contribution to the community was also recognised, a corporate responsibility taken very seriously by a Charity Committee who organises monthly donations to local, national and international charities.

Rod Tancred, Executive Director of LTM Risk Partners, says “Very strong corporate and financial management of our company has allowed us to maintain strong and healthy growth. We also have clear ongoing strategies for the growth of our business which has often led us being refereed to by industry peers as being very innovative and progressive”.

Rod states that what makes a good insurance brokerage is “the right team around you to provide quality service and advice to your clients”.

Well done to LTM Risk Partners and National franchise Insurance Brokers on this outstanding achievement!

To view the full article click here

LTM Directors visit Lloyds of London

"Recently, LTM Directors visited Lloyds in London to meet some key players regarding some exciting opportunities for the company".

To view the full article click here

Business Franchisor

Recently, National Franchise Insurance Brokers (NFIB), our new online provider of insurance services for franchisors, franchisees and franchise businesses was promoted in Business Franchisor

To view the full article click here

Charities

Community Involvement

The LTM Charity Committee is dedicated to sponsoring local, national and international charities by making donations and holding fundraisers. Each month a charity group is selected to receive a cash donation and an invitation to morning......

read more

Community Involvement

How to Contact Us

Freecall: 1800 640 264

Phone: (08) 9201 3400

Fax: 9201 3444

Email: info@ltmrisk.com.au

 

Address:

Suite 5 and 6
156 Oxford Street
Leederville
Western Australia 6007

Mail:
PO Box 495
Leederville
Western Australia 6903

 

 

View LTM Risk Partners in a larger map

FAQ

Why do I need a broker?

Insurance brokers fill the role of providing professional advice relating to your insurance needs. Gaining proper insurance advice from a qualified insurance broker can save you time and money when negotiating the array of insurance options available today - whether you are a sole trader, small business owner or a corporate client.

A major advantage of using a broker is that the broker gives you access to a large range of insurance options from which the particular policy which suits your needs can be recommended. A qualified broker can advise on the costs and exclusions of the policies you are considering and provide impartial advice, an explanation of the policy you have chosen, as well as arranging the cover for you.

By using a broker, it is often possible to take advantage of cost savings which may have been negotiated directly with the insurance company with the broker. All commissions and fees payable to the broker will be discussed up-front so there are no surprises when your policy statement becomes due.

All of our brokers maintain the industry's highest professional and ethical standards. With regular training and professional development, our staff are kept up to date with the latest industry trends and developments, so you can be assured of a high quality broking experience with LTM.

What are the Statutory Charges that appear on my Invoice?

Statutory charges are compulsory "Government Charges" or taxes that are added to insurance premiums and collected by the Treasury.

The Insurer and Broker receive none of the funds collected. These charges include the following and other than GST, vary from State to State:

  • Fire Service Levy (FSL)
  • Goods & Services Tax (GST)
  • Stamp Duty (SD)
  • Supplementary Levy

How can I pay my account?

Our payment options are noted on the back of you invoice they include:

  • Bpay
  • Deft online or over the phone
  • Cheque made payable to LTM Risk Partners
  • Port Billpay
  • EFT

Will I need to complete a claim form?

Some motor vehicle and property claims can be lodged over the phone and will not require a claim form.

To find out if a claim form is required, please contact our claims team. If required they can then forward a form to you by e-mail, fax or post.

How are insurance brokers licensed and what controls are there?

Insurance brokers are licensed by the Australian Securities and Investments Corporation (ASIC). LTM holds a Financial Services Licence as is required by law.

LTM’s Financial Services Licence Number is 245374.

What insurance policies do I need?

This depends on the type of business you are in. New insurance policies are being developed constantly as the world and the risks you face change. As an example, even 20 years ago how many businesses would have considered having insurance for loss of profits due to computer crime? LTM’s brokers undergo regular training and remain abreast of all developments within the industry, so they are well placed to regularly review your risk areas and advise accordingly.

If my circumstances change do I need to review my insurance?

Absolutely, A change of circumstances may mean the insurance you have in place is no longer current. It may be that your circumstances change in a way that means your risk is reduced and you're paying too much, or that your risk is increased and you're exposed to uninsured losses. Either way, advising your broker of your changes will allow them to review your insurances and ensure your policies remain relevant. It's advisable to review your insurance regularly - at the very least annually - because changes may have taken place that alter your risk profile, and the policies available to cover your risks may also have changed.

Should I simply look for the cheapest policy?

Insurance policies can be very complex, and the cheapest policy will not always meet all of your needs. Sometimes what is left out of a policy is as important as what is included, and the cheapest option may omit a risk that you cannot afford to carry yourself. Interpreting the terms of the policy is part of your LTM broker's role and you should listen to their advice as you would a professional. Although the policy cost will always be a factor, ensuring you have the right cover in place when it comes the time to make a claim is vital, and our top priority.

What is a Financial Services Guide (FSG)?

A Financial Services Guide (FSG) must be given to a potential client by a licensee (or an Authorised Representative) as soon as practicable. It sets out information in regards to how we do business such as:

  • Documenting the standard basis on which we act for the client.
  • Providing all statutory notices and other information required by law (e.g. how we get paid).
  • Explaining how we will handle a client’s business.

LTM's Financial Services Guide is readily available by contacting one of our offices or by clicking the FSG link at the bottom right hand side of the page.

 

Testimonials

"The test of the quality of your insurance is what happens when you need to make a claim. When our business was hit hard in the recent flooding, I was so glad that we had a good broker on our side.

Darryl acted with urgency, advised us on how to optimize our claim, and took care of the paperwork. He made it easy for us to get back on our feet and trading again."

Veronica Kypros

Director – Sole Sisters Thai Massage
St Kilda, Victoria

"We are in our third year with LTM Risk and could not be happier, we are still others to their services, despite the tyranny of distance the service and communication have been 1st class. Even though luckily, our claims have been minimal the attention to detail has been great.

As an added bonus Darryl and his team has enabled us to make savings on our premiums we have had to pay."

Howard Duffy

Bells Dry Cleaning and Foxys Fast Fotos

"I was very satisfied with my recent dealings with LTM Partners. Both Darryl and Belinda were able to answer my questions and were responsive to my needs. I felt confident with their demeanour plus at the end of the day they were able to achieve a significant reduction on our premium."

Carlo Colosimo

Director

"I operate five shops along with my wife; we employ twenty staff and have been in the dry cleaning business for nearly thirty years. We have used Darryl and LTM Risk Management for more than fifteen years. We find their company and their staff brilliant to deal with. We have a set of affordable tailor-made policies that suit dry cleaning type businesses.

LTM follow through your claims and organise quick settlement. Both my wife and I would like to thank Darryl Morris from LTM Risk Management for taking the time to get insurers to come up with a great set of policies suited to our style of business and for getting our premiums down over the years. I believe that LTM Risk Management is the largest insurer for dry cleaners throughout Australia."

Haydn and Sue Raitt

Farrington Dry Cleaners
Western Australia

"In our dealings with LTM/CGU we have found them to be extremely professional and very helpful when handling claims. We were unfortunate enough to lose our business to fire and they have made the claims process smooth and hassle free during this difficult time. I would not hesitate to recommend them to other businesses and look forward to a continued relationship with them."

Matthew Parkinson

Maitland Dry Cleaners

"Just a quick note to say thank you for all the time and effort you and your staff have done for myself and my family. I have dealt with insurance companies in the past through my work while working in the automobile industry, things do not always go the way you think they should, but in dealing with your company it made everything was made nice and straight forward.

I would recommend your company to others through business and also on a personal basis and have already done so on both business and personal levels.

Thank you again for being there when you were needed and again for making the process so straight forward."

Mark Harpham

Hire A Hubby
Sandy Bay

"As a result of asking LTM Risk Partners to review our insurance policy, we were able to save more than 40% on our last premium. Darryl was able to advise us on a few shortcomings in our cover, and we now have a far superior policy at a much lower cost than the original.

I recommend everyone should speak to Darryl to ensure that the cover they have is adequate, and that they are paying a fair price."

Paul Del Din

Director - Big Mouth
St Kilda, Victoria

"Peter Psuj and LTM Risk have been our brokers for a period of three years and in this time have provided an exceptional insurance brokerage service allowing us to deal with one point of contact for our many policies we hold to eliminate risk within our business.

Not having to wade through the quotes needed to buy insurance efficiently has greatly increased the time available to our staff allowing them to concentrate on our core business of running dry cleaning and laundry businesses.

I would not hesitate in recommending Peter Psuj and LTM Risk for any future business."

Ben Rawlings

All documents presented on the LTM Risk Partners web site are summaries of certain issues of interest or concern to current or potential insurance buyers. They are not intended to and do not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed in these articles.

Privacy

LTM Group Pty Ltd

(AFSL No 245374)

 

OUR PRIVACY POLICY

 

At LTM Risk Partners, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of personal information. It also deals with how you can complain about a breach of the privacy laws and how you can access the personal information we hold and how to have that information corrected.


What information do we collect and how do we use it?

When we arrange insurance on your behalf, we ask you for the information we need to advise you about your insurance needs and management of your risks.  This can include a broad range of information ranging from your name, address, contact details and age, to other information about your personal affairs including your assets, personal belongings, financial situation, health and wellbeing. We provide any information that the insurers or intermediaries who we ask to quote for your insurances and premium funding require to enable them to decide whether to insure you and on what terms or to fund your premium and on what terms.

 

Insurers may in turn pass on this information to their reinsurers. Some of these companies are located outside Australia. For example, if we seek insurance terms from an overseas insurer (e.g. Lloyd’s of London), your personal information may be disclosed to the insurer. If this is likely to happen, we inform you of where the insurer is located, if it is possible to do so.

 

When you make a claim under your policy, we assist you by collecting information about your claim. Sometimes we also need to collect information about you from others.  We provide this information to your insurer (or anyone your insurer has appointed to assist it to consider your claim, eg loss adjusters, medical brokers etc) to enable it to consider your claim. Again this information may be passed on to reinsurers.

 

From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this information to you.

 

What if you don’t provide some information to us?

We can only fully advise you and assist in arranging your insurance or with a claim, if we have all relevant information. The insurance laws also require you to provide your insurers with the information they need in order to be able to decide whether to insure you and on what terms. You have a duty to disclose the information which relevant to the insurer’s decision to insure you.

 

When do we disclose your information overseas?

If you ask us to seek insurance terms and we recommend an overseas insurer, we may be required to disclose the information to the insurer located outside Australia. For example, if we recommend a policy provided by Lloyd’s of London, your information may be given to the Lloyd’s broker and underwriters at Lloyd’s of London to make a decision about whether to insure you.

 

We will tell you at time of advising on your insurance if they are overseas and in which country the insurer is located. If the insurer is not regulated by laws which protects your information in a way that is similar to the Privacy Act, we will seek your consent before disclosing your information to that insurer.

 

Australian and overseas insurers acquire reinsurance from reinsurance companies that are located throughout the world so in some cases your information may be disclosed to them for assessment of risks and in order to provide reinsurance to your insurer. We do not make this disclosure, this made by the insurer (if necessary) for the placement for their reinsurance program.

 

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

 

We hold the information we collect from you initially in a working file, which when completed is electronically imaged and stored, after which any paper is destroyed by Recall Secure Destruction Services.

 

We ensure that your information is safe by protecting it from unauthorised access, modification and disclosure. We maintain physical security over our paper and electronic data and premises, by using locks and security systems. We also maintain computer and network security; for example, we use firewalls (security measures for the Internet) and other security systems such as user identifiers and passwords to control access to computer systems where your information is stored.

 

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

 

We may need to provide your information to contractors who supply services to us, e.g. to handle mailings on our behalf, external data storage providers or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event.  However, we will take reasonable measures to ensure that they protect your information as required under the Privacy Act.

 

We may provide your information to others if we are required to do so by law, you consent to the disclosure or under some unusual other circumstances which the Privacy Act permits.

 

How can you check, update or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate, irrelevant, out of date or incomplete.

 

If you wish to access or correct your personal information please write to our Privacy Officer at LTM Risk Partners, PO Box 495, Leederville WA 6903.

 

We do not charge for receiving a request for access to personal information or for complying with a correction request. Where the information requested is not a straightforward issue and will involve a considerable amount of time then a charge will need to be confirmed for responding to the request for the information.

 

In some limited cases, we may need to refuse access to your information or refuse a request for correction. We will advise you as soon as possible after your request if this is the case and the reasons for our refusal.


What happens if you want to complain?

If you have concerns about whether we have complied with the Privacy Act or this privacy Policy when collecting or handling your personal information, please write to our Privacy Officer at LTM Risk Partners, PO Box 495, Leederville WA 6903.

 

Your complaint will be considered by us through our internal complaints resolution process and we will try to respond with a decision within 45 days of you making the complaint.

 

 

Your consent

By asking us to assist with your insurance needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

 

Website information and content.

The information provided on this website does not cover all aspects of the law on the relevant subject matter. Professional advice should be sought before any action is taken based upon the matters described and discussed on this site.

 

To the extent permitted by law, we make no representations about the suitability of the content of this site for any purpose. All content is provided without any warranty of any kind. We disclaim all warranties and conditions with regard to the content, including but not limited to all implied warranties and conditions of fitness for a particular purpose, title and non-infringement.

 

We will not be liable for any damages or injury caused by, including but not limited to, any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or line failure. To the extent permitted by law we will not be liable for any damages or injury, including but not limited to, special or consequential damages that result from the use of, or the inability to use, the materials in this site.

 

We believe the content of this site to be accurate, complete and current, however there are no warranties as to the accuracy, completeness or currency of the content. It is your responsibility to verify any information before relying on it. The content of this site may include technical inaccuracies or typographical errors.

 

We reserve the right to modify the content of this site from time to time.

 

Anonymous data – We use technology to collect anonymous information about the use of our website, for example when you browse our website our service provider logs your server address, the date and time of your visit, the pages and links accessed and the type of browser used. It does not identify you personally and we only use this information for statistical purposes and to improve the content and functionality of our website, to better understand our clients and markets and to improve our services.

 

Cookies – In order to collect this anonymous data we may use “cookies”.  Cookies are small pieces of information which are sent to your browser and stored on your computer’s hard drive. Sometimes they identify users where the website requires information to be retained from one page to the next. This is purely to increase the functionality of the site. Cookies by themselves cannot be used to discover the identity of the user. Cookies do not damage your computer and you can set your browser to notify you when you receive a cookie so that you can decide if you want to accept it. Once you leave the site, the cookie is destroyed and no personal or other information about you is stored.

 

Forms - Our Website allows visitors to submit information via Self-Service forms (Claim Forms, Employment and Contact request).  The information submitted via the Forms is not encrypted – an option is available for claim forms to be downloaded in PDF format for faxing.  Should you be concerned about confidentiality of the claim information, this would be the recommended method.

 

Information collected via on-line forms is sent to our offices via EMAIL (not encrypted) and is also stored on a database which is accessible by LTM Risk Partners staff only (password protected).

 

We also use your information to send you requested product information and promotional material and to enable us to manage your ongoing requirements, e.g. renewals, and our relationship with you, e.g. invoicing, client surveys etc.

 

We may occasionally notify you by direct marketing about new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post on insurance matters. If you would rather not receive this information or do not wish to receive it electronically, email or write to us.

 

We may use your information internally to help us improve our services and help resolve any problems.

 

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact our Privacy Officer on telephone number 08 9201 3400 or by email info@ltmrisk.com.au.